I agree. Insurance companies get nervous when they see a wood stove.
When I was doing insurance inspections, for most companies I had to fill out a separate report whenever I encountered a wood stove. With good reason. It was astounding the contraptions people came up with for wood heat.
Then too, I felt sorry for a young couple who bought a UL approved stove and paid the company $2500 to install it, thinking they were doing the right thing. Their insurance company didn't buy the installation, and they had to pay someone else to start all over.
On the other issue, my wife and I once owned a house with a wood furnace. We could do about 80% of our heating with wood. Great! Only I added up time and expenses and factored in what we saved on propane. I figured out that when I was cutting and handling firewood I was working for about $3 per hour. It dawned on me that if I wanted to make money on the side, I could do something that was a lot more fun than cutting firewood.
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